JCL
Own Apple products easily - no credit card needed, with low monthly instalments at an affordable price.
How it works?
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Easy Payment
Instalment up to 36 months*.
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Where to apply?
In-Store & Online.
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Simple Application
Present IC and payslip.
How to register?
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Step 1
Fill in your information and complete the application form.
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Step 2
JCL performs verification and credit assessment.
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Step 3
Applicants will receive notification once the application is approved.
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Step 4
Successful applicants visit store to sign agreement and pick-up purchased item.
How to apply?
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Salaried Employee
Chat with our service team here to get the application link• Malaysian Citizen (Blue IC Only)
• Between the age of 18 to 60 years
• Working 3 months above with current employer
• Not residing or working in a military camp
• Net Salary RM 1,000 above
View pricing of the devices
| Model | Capacity | 12 mo. | 24 mo. | 36 mo. |
|---|---|---|---|---|
| iPhone 16 Pro Max | 256GB | RM512 | RM290 | RM215 |
| iPhone 16 Pro Max | 512GB | RM608 | RM344 | RM256 |
| iPhone 16 Pro Max | 1TB | RM704 | RM398 | RM296 |
| iPhone 16 Pro | 128GB | RM417 | RM235 | RM175 |
| iPhone 16 Pro | 256GB | RM465 | RM263 | RM195 |
| iPhone 16 Pro | 512GB | RM560 | RM317 | RM235 |
| iPhone 16 Pro | 1TB | RM656 | RM371 | RM276 |
| iPhone 16 Plus | 128GB | RM388 | RM219 | RM163 |
| iPhone 16 Plus | 256GB | RM436 | RM246 | RM183 |
| iPhone 16 Plus | 512GB | RM532 | RM300 | RM223 |
| iPhone 16 | 128GB | RM340 | RM192 | RM143 |
| iPhone 16 | 256GB | RM388 | RM219 | RM163 |
| iPhone 16 | 512GB | RM484 | RM273 | RM203 |
| iPhone 16e | 128GB | RM292 | RM165 | RM123 |
| iPhone 16e | 256GB | RM340 | RM192 | RM143 |
| iPhone 16e | 512GB | RM436 | RM246 | RM183 |
| iPhone 15 | 128GB | RM263 | RM149 | RM111 |
| iPhone 15 | 256GB | RM311 | RM176 | RM131 |
| iPhone 15 | 512GB | RM407 | RM230 | RM171 |
| iPhone 14 | 128GB | RM225 | RM127 | RM94 |
| iPhone 14 | 256GB | RM273 | RM154 | RM115 |
| iPhone 13 | 128GB | RM196 | RM111 | RM82 |
| Model | Capacity | 12 mo. | 24 mo. | 36 mo. |
|---|---|---|---|---|
| iPad 11-inch (A16, 2025), Wi-Fi | 128GB | RM139 | RM78 | RM58 |
| iPad 11-inch (A16, 2025), Wi-Fi | 256GB | RM177 | RM100 | RM74 |
| iPad 11-inch (A16, 2025), Wi-Fi | 512GB | RM263 | RM149 | RM111 |
| iPad 11-inch (A16, 2025), Wi-Fi + Cellular | 128GB | RM206 | RM116 | RM86 |
| iPad 11-inch (A16, 2025), Wi-Fi + Cellular | 256GB | RM244 | RM138 | RM103 |
| iPad 11-inch (A16, 2025), Wi-Fi + Cellular | 512GB | RM330 | RM187 | RM139 |
| iPad Air 11-inch (M3, 2025), Wi-Fi | 128GB | RM235 | RM133 | RM99 |
| iPad Air 11-inch (M3, 2025), Wi-Fi | 256GB | RM273 | RM154 | RM115 |
| iPad Air 11-inch (M3, 2025), Wi-Fi | 512GB | RM359 | RM203 | RM151 |
| iPad Air 11-inch (M3, 2025), Wi-Fi | 1TB | RM445 | RM252 | RM187 |
| iPad Air 11-inch (M3, 2025), Wi-Fi + Cellular | 128GB | RM302 | RM170 | RM127 |
| iPad Air 11-inch (M3, 2025), Wi-Fi + Cellular | 256GB | RM340 | RM192 | RM143 |
| iPad Air 11-inch (M3, 2025), Wi-Fi + Cellular | 512GB | RM426 | RM241 | RM179 |
| iPad Air 11-inch (M3, 2025), Wi-Fi + Cellular | 1TB | RM512 | RM290 | RM215 |
| iPad Air 13-inch (M3, 2025), Wi-Fi | 128GB | RM321 | RM181 | RM135 |
| iPad Air 13-inch (M3, 2025), Wi-Fi | 256GB | RM359 | RM203 | RM151 |
| iPad Air 13-inch (M3, 2025), Wi-Fi | 512GB | RM445 | RM252 | RM187 |
| iPad Air 13-inch (M3, 2025), Wi-Fi | 1TB | RM532 | RM300 | RM223 |
| iPad Air 13-inch (M3, 2025), Wi-Fi + Cellular | 128GB | RM388 | RM219 | RM163 |
| iPad Air 13-inch (M3, 2025), Wi-Fi + Cellular | 256GB | RM426 | RM241 | RM179 |
| iPad Air 13-inch (M3, 2025), Wi-Fi + Cellular | 512GB | RM512 | RM290 | RM215 |
| iPad Air 13-inch (M3, 2025), Wi-Fi + Cellular | 1TB | RM599 | RM338 | RM252 |
| iPad mini (7th gen, A17 Pro, 2024), Wi-Fi | 128GB | RM182 | RM103 | RM76 |
| iPad mini (7th gen, A17 Pro, 2024), Wi-Fi | 256GB | RM220 | RM124 | RM92 |
| iPad mini (7th gen, A17 Pro, 2024), Wi-Fi | 512GB | RM306 | RM173 | RM129 |
| iPad mini (7th gen, A17 Pro, 2024), Wi-Fi + Cellular | 128GB | RM249 | RM141 | RM105 |
| iPad mini (7th gen, A17 Pro, 2024), Wi-Fi + Cellular | 256GB | RM287 | RM162 | RM121 |
| iPad mini (7th gen, A17 Pro, 2024), Wi-Fi + Cellular | 512GB | RM374 | RM211 | RM157 |
| iPad Pro 11-inch (M4, 2024), Wi-Fi, Standard Glass | 256GB | RM412 | RM233 | RM173 |
| iPad Pro 11-inch (M4, 2024), Wi-Fi, Standard Glass | 512GB | RM498 | RM281 | RM209 |
| iPad Pro 11-inch (M4, 2024), Wi-Fi, Standard Glass | 1TB | RM671 | RM379 | RM282 |
| iPad Pro 11-inch (M4, 2024), Wi-Fi, Standard Glass | 2TB | RM843 | RM476 | RM354 |
| iPad Pro 11-inch (M4, 2024), Wi-Fi, Nano-Texture Glass | 1TB | RM709 | RM401 | RM298 |
| iPad Pro 11-inch (M4, 2024), Wi-Fi, Nano-Texture Glass | 2TB | RM881 | RM498 | RM370 |
| iPad Pro 11-inch (M4, 2024), Wi-Fi + Cellular, Standard Glass | 256GB | RM498 | RM281 | RM209 |
| iPad Pro 11-inch (M4, 2024), Wi-Fi + Cellular, Standard Glass | 512GB | RM584 | RM330 | RM246 |
| iPad Pro 11-inch (M4, 2024), Wi-Fi + Cellular, Standard Glass | 1TB | RM757 | RM428 | RM318 |
| iPad Pro 11-inch (M4, 2024), Wi-Fi + Cellular, Standard Glass | 2TB | RM929 | RM525 | RM391 |
| iPad Pro 11-inch (M4, 2024), Wi-Fi + Cellular, Nano-Texture Glass | 1TB | RM795 | RM449 | RM334 |
| iPad Pro 11-inch (M4, 2024), Wi-Fi + Cellular, Nano-Texture Glass | 2TB | RM968 | RM547 | RM407 |
| iPad Pro 13-inch (M4, 2024), Wi-Fi, Standard Glass | 256GB | RM517 | RM292 | RM217 |
| iPad Pro 13-inch (M4, 2024), Wi-Fi, Standard Glass | 512GB | RM604 | RM341 | RM254 |
| iPad Pro 13-inch (M4, 2024), Wi-Fi, Standard Glass | 1TB | RM776 | RM439 | RM326 |
| iPad Pro 13-inch (M4, 2024), Wi-Fi, Standard Glass | 2TB | RM949 | RM536 | RM399 |
| iPad Pro 13-inch (M4, 2024), Wi-Fi, Nano-Texture Glass | 1TB | RM814 | RM460 | RM342 |
| iPad Pro 13-inch (M4, 2024), Wi-Fi, Nano-Texture Glass | 2TB | RM987 | RM558 | RM415 |
| iPad Pro 13-inch (M4, 2024), Wi-Fi + Cellular, Standard Glass | 256GB | RM604 | RM341 | RM254 |
| iPad Pro 13-inch (M4, 2024), Wi-Fi + Cellular, Standard Glass | 512GB | RM690 | RM390 | RM290 |
| iPad Pro 13-inch (M4, 2024), Wi-Fi + Cellular, Standard Glass | 1TB | RM862 | RM487 | RM362 |
| iPad Pro 13-inch (M4, 2024), Wi-Fi + Cellular, Standard Glass | 2TB | RM1,035 | RM585 | RM435 |
| iPad Pro 13-inch (M4, 2024), Wi-Fi + Cellular, Nano-Texture Glass | 1TB | RM901 | RM509 | RM378 |
| iPad Pro 13-inch (M4, 2024), Wi-Fi + Cellular, Nano-Texture Glass | 2TB | RM1,073 | RM606 | RM451 |
| Model | 12 mo. | 24 mo. | 36 mo. |
|---|---|---|---|
| MacBook Air 13-inch (M4 chip with 10-core CPU and 8-core GPU, 16GB, 256GB SSD) | RM393 | RM222 | RM165 |
| MacBook Air 13-inch (M4 chip with 10-core CPU and 10-core GPU, 16GB, 512GB SSD) | RM474 | RM268 | RM199 |
| MacBook Air 13-inch (M4 chip with 10-core CPU and 10-core GPU, 24GB, 512GB SSD) | RM556 | RM314 | RM233 |
| MacBook Air 15-inch (M4 chip with 10-core CPU and 10-core GPU, 16GB, 256GB SSD) | RM460 | RM260 | RM193 |
| MacBook Air 15-inch (M4 chip with 10-core CPU and 10-core GPU, 16GB, 512GB SSD) | RM541 | RM360 | RM227 |
| MacBook Air 15-inch (M4 chip with 10-core CPU and 10-core GPU, 24GB, 512GB SSD) | RM623 | RM352 | RM262 |
| MacBook Pro 14-inch (M4 chip, 16GB, 512GB SSD) | RM675 | RM382 | RM284 |
| MacBook Pro 14-inch (M4 chip, 16GB, 1TB SSD) | RM757 | RM428 | RM318 |
| MacBook Pro 14-inch (M4 chip, 24GB, 1TB SSD) | RM838 | RM474 | RM352 |
| MacBook Pro 14-inch (M4 Pro chip, 24GB, 512GB SSD) | RM819 | RM463 | RM344 |
| MacBook Pro 14-inch (M4 Pro chip, 24GB, 1TB SSD) | RM1,011 | RM571 | RM425 |
| MacBook Pro 14-inch (M4 Max chip, 36GB, 1TB SSD) | RM1,346 | RM761 | RM566 |
| MacBook Pro 16-inch (M4 Pro chip, 24GB, 512GB SSD) | RM1,059 | RM598 | RM445 |
| MacBook Pro 16-inch (M4 Pro chip, 48GB, 512GB SSD) | RM1,222 | RM690 | RM513 |
| MacBook Pro 16-inch (M4 Max chip, 36GB, 1TB SSD) | RM1,471 | RM831 | RM513 |
| MacBook Pro 16-inch (M4 Max chip, 48GB, 1TB SSD) | RM1,682 | RM950 | RM707 |
| Mac mini (M4 chip, 16GB, 256GB SSD) | RM244 | RM138 | RM103 |
| Mac mini (M4 chip, 16GB, 512GB SSD) | RM326 | RM184 | RM137 |
| Mac mini (M4 chip, 24GB, 512GB SSD) | RM407 | RM230 | RM171 |
| Mac mini (M4 Pro chip, 24GB, 512GB SSD) | RM580 | RM328 | RM244 |
| iMac 24-inch, Standard Glass (M4 chip, Two ports, 16GB, 256GB SSD) | RM560 | RM317 | RM235 |
| iMac 24-inch, Standard Glass (M4 chip, Four ports, 16GB, 256GB SSD) | RM647 | RM365 | RM272 |
| iMac 24-inch, Standard Glass (M4 chip, Four ports, 16GB, 512GB SSD) | RM728 | RM411 | RM306 |
| iMac 24-inch, Standard Glass (M4 chip, Four ports, 24GB, 512GB SSD) | RM810 | RM458 | RM340 |
| iMac 24-inch, Nano-Texture Glass (M4 chip, Four ports, 16GB, 256GB SSD) | RM728 | RM411 | RM306 |
| Mac Studio (M4 Max chip, 36GB, 512GB SSD) | RM867 | RM490 | RM364 |
| Mac Studio (M3 Ultra chip, 96GB, 1TB SSD) | RM1,730 | RM978 | RM727 |
| Model | Size | 12 mo. | 24 mo. | 36 mo. |
|---|---|---|---|---|
| Apple Watch Ultra 2, GPS + Cellular | 49mm | RM369 | RM208 | RM155 |
| Apple Watch Series 10, GPS | Aluminium Case | 42mm | RM134 | RM76 | RM56 |
| Apple Watch Series 10, GPS | Aluminium Case | 46mm | RM148 | RM84 | RM62 |
| Apple Watch Series 10, GPS + Cellular | Aluminium Case | 42mm | RM225 | RM127 | RM94 |
| Apple Watch Series 10, GPS + Cellular | Aluminium Case | 46mm | RM239 | RM135 | RM101 |
| Apple Watch Series 10, GPS + Cellular | Titanium Case, Sport Band | 42mm | RM321 | RM181 | RM135 |
| Apple Watch Series 10, GPS + Cellular | Titanium Case, Sport Band | 46mm | RM345 | RM195 | RM145 |
| Apple Watch SE, GPS | Aluminium Case | 40mm | RM84 | RM47 | RM35 |
| Apple Watch SE, GPS | Aluminium Case | 44mm | RM98 | RM56 | RM41 |
| Apple Watch SE, GPS + Cellular | Aluminium Case | 40mm | RM124 | RM70 | RM52 |
| Apple Watch SE, GPS + Cellular | Aluminium Case | 44mm | RM139 | RM78 | RM58 |
Frequently Asked Questions
Overview
- JCL
• A financing solution offering low monthly instalments at an affordable price. - Repayment loans are available for up to 36 months.
- Multiple devices can be applied for under one application, which will fall under one agreement (e.g., 2 iPhones or 2 iPads).
- Eligibility:
Salaried Employees:
• Ages 18 to 60
• Nett salary of RM1000 and above
• Malaysian citizens (blue IC only)
• Minimum working period of 3 months
• Not residing or working in a military camp - Supporting Documents:
• Copy of Identity Card (front & back)
• Latest payslip (one month only) - Guarantor / Collateral:
• No guarantor or collateral required. - Processing Time:
• 1 to 3 working days from application to approval.
Payment
- Application Fee:
No payment upon application. RM50 processing fee will be collected by JCL upon approval. - Monthly Repayment Methods:
Auto debit deduction from applicant’s savings account
Manual payment through the “Jclicks” application. - Late Payment:
Late payment charges apply if payment is past due date. - Auto-Debit Requirement:
All applicants must apply for auto-debit before collecting their devices. - Confidentiality:
Personal information is kept confidential in compliance with the Personal Data Protection Act 2010 (PDPA). - Early Settlement Rebate:
Discounted price for early settlement.
Contract
- Termination:
• Early termination is allowed. Contact Customer Service at 03-26167900. - Device Collection:
• Device can be collected on the spot after signing the agreement. - Contract Details:
• Contract will be sent via postage within 1 month after collecting the device.
Terms and conditions will be stated in the contract.
General – Lost / Theft / Damage
- Faulty Device
• Check the device upon collection for defects. Notify staff and request replacement if defective.
Responsibility for the device continues throughout the contract duration. - Lost/Stolen Device:
• No protection for lost or stolen devices; payments must continue until the end of the contract. - Broken Device:
• No protection for broken devices; payments must continue until the end of the contract.
